Loan Rates
In addition to offering a great loan experience, we offer competitive loan rates! Those are subject to change any time and may vary on individual loans. All rates listed are APR.
We provide financing to purchase autos, trucks, boats, campers and travel trailers, motor homes, snowmobiles, four-wheelers, jet skis, and motorcycles.
We also provide:
- Home Equity Lines of Credit
- Mortgage loans
- Land loans
- MasterCard credit card
- Savings-secured loans, Money Market-secured loans, and Certificate-secured loans
- Anytime Access - Credit Line that you can use any time; it also serves as Checking Overdraft Protection
- Signature Loans
- Member Business Loans
- Student Loans - a private Student Loan program
To learn about your options for applying for loans, click here.
You may also stop in and visit with a Loan Officer, or contact our Loan Department at (320) 258-2190 or toll-free at (888) 252-2634 for complete information. Or, contact us by email.
| New Cars & Trucks | Rate |
|---|---|
| 2017 & Never Been Titled 2016 | |
| 36 Months | 2.74%* |
| 48 Months | 2.99%* |
| 60 Months | 3.24%* |
| 72 Months | 3.49%* |
| 84 Months | 3.74%* |
| Used Cars & Trucks | |
|
Previously Titled, 2009 and Newer Rates increase for vehicles 2008 or older, or more than 110,000 miles. |
|
| 36 Months | 2.99%* |
| 48 Months | 3.24%* |
| 60 Months | 3.49%* |
| 72 Months | 3.99%* |
| RVs, Campers, & Fish Houses | Rate |
| Must be titled. | |
| 60 Months | 3.74% |
| 61-120 Months | 4.24% |
| 121-144 Months | 4.74% |
| 145-180 Months | 5.49% |
| Boats | Rate |
| 60 Months | 4.24% |
| 72 Months | 4.49% |
| 84 Months | 5.24% |
| 85-144 Months | 5.74% |
| New & Used Motorcycles | Rate |
| 36 Months | 5.75% |
| 48 Months | 6.00% |
| 60 Months | 6.25% |
| 72 Months | 6.50% |
|
Snowmobiles, 4-Wheelers, Jet Skis, Etc. | Rate |
| Non-titled security. | |
| 36 Months | 6.25% |
| 48 Months | 6.50% |
| 60 Months | 7.00% |
| Signature Loans | Rate |
| 36 Months | 8.25% |
| 48 Months | 9.25% |
| Checking Lines of Credit | Rate |
| Anytime Access | 14.99% |
| Savings Secured | Rate |
| Savings & Money Market | 3.75% |
| CD Secured | Rate |
| CD Rate + 2% | 3.75% Minimum |
Additional Information about our Loans:
Rates and terms on all loans are subject to credit approval. St Cloud Federal Credit Union uses a credit score to determine your interest rate. No loan rate at the Credit Union can exceed 18% APR.
- All rates are Annual Percentage Rates (APR).
- Loan rates are based on your credit rating. The rates quoted are our best rates and may be higher based on your credit report. The term of your actual loan may vary, depending on your needs.
*Rates with and asterisk can take an additional 0.25% discount with an active, qualified St. Cloud Federal Credit Union checking account.
